<p>get 2 credit cards brutha:
amex blue cash back or blue for students if you get declined for cashback</p>
<p>and wamu platinum mastercard </p>
<p>amex is my preferred though, wamu gives u free credit checks</p>
<p>It all depends what kind of situation you're in. If you have a job, then getting a credit card wouldn't be such a bad option. But if you want to closely monitor your spendings, then get the debit card which will still allow you to use credit but it doesn't give you a whooping month to pay it off. Get a credit card for emergencies, and use credit/debit for any other uses.</p>
<p>You need to actually use the credit card, maybe just buy a t-shirt online, pay the bill and keep it steady.</p>
<p>yeah, a credit card does nothing for your credit history if you dont use it. the whole point is to build a history of on time payments to show to future creditors/lenders that you are responsible and will pay them their money back instead of defaulting on the loan.</p>
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i always thought debit card purchases draw from your account immediately. or at least a pre-authorization draw to hold the funds in your account.</p>
<p>if thats the case, then debit will never act like credit because the transaction will not go through unless you have sufficient funds.
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<p>That is what I thought.</p>